HOME, LIFE & REAL ESTATE | September 2026









🏡 HOME, LIFE & REAL ESTATE | September 2026







From Mark

Planning Ahead Gives You More Options

Most people start thinking about real estate when something changes—maybe you need more space, you’re thinking about downsizing, retirement is getting closer, or your home just isn’t working the way it used to.

But you don’t have to be ready to move to start the conversation.

I often talk with clients months, and sometimes years, before they actually make a move. That gives us time to look at what their home is worth, talk through improvements they may be considering, understand their options, and figure out what makes sense for them.

And sometimes, the answer is to stay right where you are.

That’s what this month’s newsletter is about—why thinking ahead can help you make better decisions and give you more options when the time is right.

As always, if there’s something you’ve been thinking about, give me a call. I’m happy to talk it through with you.

✦ Feature Article

You don’t need to know exactly when you’re going to move to start planning. Understanding your options early can help you make better decisions about your home, your finances, and what comes next.

Give Yourself Time to Make Better Decisions

Real estate decisions often involve more than the house itself. There are financial considerations, timing, financing, taxes, repairs, improvements, lifestyle changes, and the question of where you would go next.

When you start early, you have time to evaluate those pieces without the pressure of having to make every decision at once.

  • Understand your home’s current value and equity.
  • Decide which improvements are worth making.
  • Develop a realistic timeline.
  • Explore what buying your next home might look like.
  • Consider how a move fits into your broader financial goals.
  • Make changes gradually rather than rushing immediately before a sale.

Planning Doesn’t Mean You’re Moving

This may be the most important part: Having a real estate plan doesn’t mean you’ve decided to sell. It simply means you understand your options. Sometimes, after looking at everything, staying put makes the most sense. Other times, planning early reveals opportunities you hadn’t considered. Either way, you’re making the decision with better information.

You don’t have to be ready to move to start planning. You just need to know what questions to ask.

 

🏠 Market Perspective

What Buyers and Sellers Are Seeing Right Now 

  • Metro Denver condos and townhomes are firmly in buyer friendly territory. Supply is elevated, fewer properties are making it to the closing table, and sellers are increasingly reaching for the red pen with price reductions and concessions.
  • Seller concessions have become a very normal part of the conversation, appearing in 66.1% of closed transactions. That is essentially 2 out of every 3 deals.
  • For sellers, this belongs on the net sheet before an offer arrives, not as a surprise after one does.
  • Common: Price reductions
    • More than half of July closings, 51.1%, had at least one price reduction before going under contract.
  • Common: Longer selling timelines
    • Median days on market for July closings reached 40 days, while the average was 60 days. Only 15.6% of properties went under contract within the first 7 days.
  • Common: Buyers negotiating below asking price
    • When measured against the original list price, the average close falls to 95.1%. That means sellers are giving up about 4.9% between where they started and where they ultimately closed.
    • Properties going under contract during the first week achieve roughly 99.9% of their original asking price. After more than 3 months on the market, price erosion can approach 11%.
  • Common: Bigger price reductions
    • The average price reduction is now 6.6% from the original asking price, roughly 6% larger than a year ago.
  • Uncommon: First time buyers being young
    • The average first-time homebuyer is now 40 years old.
    • That matters enormously for the condo and townhome market. The 20- to 30-year-old buyers who historically helped absorb entry level condos are much less present because of affordability pressures. Older first-time buyers may have more income and purchasing power and can sometimes stretch directly into detached homes.
    • In other words, the attached market has not simply gained inventory. It has lost part of its traditional buyers
  • Uncommon: Easy condo financing
    • Full HOA reviews and reserve requirements can make some communities non-warrantable, potentially removing FHA and VA financing options and shrinking an already challenged buyer pool.
    • For condo sellers, agents, and buyers, understanding the HOA and financing picture early is becoming just as important as understanding the property itself.
  • Similar: Not every zip code is experiencing the same market
    • Metro Denver is not one market, and the attached market becomes dramatically different once you zoom in.
    • Northglenn is sitting around 1 month of supply with a 52.9% probability of selling. Southern Westminster is at 40.4%, Rhino is around 40%, and Parker is at 39.1%.

đź’ˇPractical Insight

Are You 1, 2 or 3+ Years From a Move?

If a move may be within the next year: This is the time to understand your home’s value, identify improvements that could help with resale, estimate potential proceeds, and begin thinking about where you would go next.

If you’re 1–2 years away: Focus on larger decisions. Should you renovate or save that money for your next home? Are there deferred maintenance items worth addressing? What would you ideally want to change about your next home?

If you’re 3+ years away: You may not need to do much at all. But knowing your home’s approximate value, keeping up with important maintenance, and periodically reviewing your longer-term goals can help keep your options open.

Not sure where you fall? That’s okay. A plan can change as life changes.

Mark’s Resource Corner

Home Tip: When Was the Last Time You Reviewed Your Homeowners Insurance?

Home values and rebuilding costs have changed considerably over the past several years, which makes it worth taking a fresh look at your homeowners insurance—even if nothing about your home has changed.

A quick annual review can help you confirm:

âś“ Your dwelling coverage reflects current rebuilding costs
âś“ Renovations or major improvements are properly covered
âś“ Your deductible still makes sense for you
âś“ Valuable items have adequate coverage
✓ You understand what your policy does—and doesn’t—cover

It’s also a good time to ask about discounts for bundling policies, security systems, newer roofs, or other home improvements.

Need a recommendation for a local insurance professional?

I’m always happy to connect you with someone who can help.

📍 Around Town

September is one of those months that makes it easy to enjoy Colorado—warm days, cooler evenings, the beginning of fall color, and plenty happening throughout the Denver area

Family & Community Events

 

Oktoberfest Denver

  • September 18–20 and September 25–27, 2026
  • Ballpark District, Denver One of Denver’s longest-running traditions, featuring traditional German food, stein hoisting competitions, live music, keg bowling, and the famous Long Dog Derby.

Wild Fall at Denver Zoo

  • October 1–31, 2026
  • Denver Zoo, Denver An autumn experience featuring pumpkin sculptures, costumed character meet-and-greets, fall animal enrichment sessions, and seasonal treats.

City Park Farmers Market (Fall Season)

  • Saturdays, September 19–October 10, 2026
  • City Park Esplanade, Denver A neighborhood favorite featuring 100+ local food vendors, fresh produce, live music, seasonal specials, and a vibrant community atmosphere.

I’m always happy to be a resource—whether you have a question, need a second opinion, or simply want to talk through your options.

No pressure. Just thoughtful advice.

 



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